| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING BENEFIT ADVISORS3 | 1173 JEFFERSON GREEN CIRCLE, 3A MIDLOTHIAN, VA 23113 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 6.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES EIN 35-0781558 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $274K |
| HEALTHSCOPE BENEFITS, INC. EIN 71-0847266 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $257K |
| ARNOLD AND KADJAN EIN 36-2498571 NONE | Legal Service code 29 | — | $126K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| SEGALL BRYANT & HAMILL EIN 41-1788385 NONE | Investment management fees paid directly by plan Service code 51 | — | $29K |
| GENESIS BENEFIT SOLUTIONS EIN 20-4039292 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| RICHARD J. WOLF AND COMPANY, INC. EIN 36-3182363 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| FOSTER & FOSTER EIN 59-1921114 NONE | Actuarial Service code 11 | — | $11K |
| NYHART EIN 35-0966414 NONE | Actuarial Service code 11 | — | $8K |
| FIFTH THIRD BANK EIN 31-0676865 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $7K |
| DIMEO SCHNEIDER & ASSOCIATES, LLC EIN 36-4001764 NONE | Investment advisory (plan) Service code 27 | — | $2K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $325K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 774 | $51K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 774 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.